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    UOB UnionPay Card For Cash Rebate: Review

    The UOB UnionPay Credit Card is one that is free of all the frills and dressing up that comes with most cards that offer cash rebates. This is a great card for those who are always on the move since it offers savings of up to 21.6% on fuel at SPC petrol stations island-wide. Other highlights of the card include:

    • 2% cash rebate on all purchases with no minimum spend requirement.
    • Discounts of up to 10% at more than 100 airport duty-free shops worldwide.

    Best suited to: Those who are looking for cash rebates on all their expenses with no minimum spend criteria for local and overseas spending.

    Key Features

    Feature Description
    Annual fee S$192.60 (annual fee is waived for the first 3 years)
    Discounts on dining Up to S$15 off at select eateries
    Cash rebate on retail/shopping 2% for every S$1 spent
    Discounts on petrol Up to 21.6% off at SPC petrol stations
    Cash rebate on all other retail spends at Airport Duty-Free Shops Up to 10%
    Complimentary travel insurance N.A.

    Additional benefits

    • Transfer money easily with UnionPay’s cross-border remittance service. Money will be deposited into the account of your choice within 12 hours.
    • Get tax refunds by purchasing goods or services from tax-free stores.
    • Get your taxes refunded from over 38 countries worldwide. Use your UnionPay credit card to make a claim.
    • Enjoy a 24-hour concierge service that helps you:
      • Plan your overseas travel.
      • Get medical assistance
      • Meet your shopping and entertainment requirements.
      • Run your business smoothly.
    • Get Chinese Visa Application Express Service with this card.
    • Get access to VIP airport lounges in Korea.
    • Get discounts and offers on travel, shopping, and dining in Singapore and across the globe with your UOB UnionPay Card. These promotional offers are subject to several terms and conditions and fixed validity periods.

    Earning Cash Rebate

    • Get 2% cash rebate offered on this card for every S$1 you spend. There is no minimum spend criteria.
    • Payments to charities, religious organisations or for government services will not earn you this rebate.
    • Rebates earned are calculated on a monthly basis and credited to the account of the principal cardholder on the first working day of every subsequent month.
    • Cash rebates on all spends are capped at S$50 each month.

    Let Us Illustrate:

    Say, for instance, you spend S$1,500 for the current month. Since you earn a cash rebate of 2% for every S$1 on eligible transactions, the cash rebate you can earn per category will be:

    Spend categories Monthly spend Cash rebate Cash rebate amount
    Dining S$400 2% S$8
    Petrol S$250 2% S$5
    Grocery S$300 2% S$6
    Overseas spends S$500 2% S$10
    Other retail spends S$50 2% S$1
    Total S$1,500 Cash rebate earned is S$30

    Interest rates

    Type of interest Charge
    Retail Purchases 25.9% p.a.
    Cash Advance 28% p.a.
    Instalment Payment Plan 0% p.a.

    Other Fee and Charges

    Type of charge Charge
    Overseas Transaction Fee Administrative fee: 2.8% of the transaction amount
    Late Payment Fee S$90
    Over Limit Fee S$40
    Cash Advance Fee 6% of the amount withdrawn, with a minimum of S$15
    Supplementary Card Fee Your first card is free. Every subsequent card has an annual fee of S$96.30

    Activating the card for overseas expenses

    The magnetic stripe of this card has to be activated for overseas retail transactions.

    Activate the magnetic stripe by performing one of the following operations:

    • Fill out an online form on the bank’s website.
    • Visit your nearest UOB branch to complete the process.
    • Visit the nearest ATM to activate your card.
    • Download the magnetic stripe activation form from the bank’s website, fill it out, and mail the completed form to the Robinson Road branch of the bank.
    • Call UOB’s 24-hour hotline.

    Note: Disable the magnetic stripe on your card on returning to Singapore for security reasons.

    Instalment Payment Plans Available

    • SmartPay, UOB’s instalment payment plan, ensures that your bills are always affordable.
    • Convert big-ticket purchases to smaller amounts at 0% interest.
    • Opt in for this plan only if your purchase value is S$500 or more.
    • Choose tenures ranging from 3 months to 12 months.
    • A low one-time processing fee will be charged if you opt for the plan.
    • The effective interest rate (EIR) depends on your chosen tenure. It is:
      • 18.18% p.a. for a 3-month plan.
      • 10.43% p.a. for a 6-month plan.
      • 9.5% p.a. for a 12-month plan.
    • Up to five transactions can be combined under a single instalment plan.

    Cash Withdrawal on the Credit Card

    • Up to 75% of the available credit limit on your card can be withdrawn using your card.
    • The minimum daily cash withdrawal limit on your card is S$200.
    • The maximum daily cash withdrawal limit from any UOB ATM is S$3,000.

    Eligibility Criteria

    Before you narrow down your search and decide to apply for this card, make sure you qualify for it.

    Lost/Stolen cards

    • Notify UOB immediately by calling their hotline.
    • File a police report and submit a copy of it to the bank, if asked for.
    • Submit a statutory declaration or any other document/s asked for by the bank.

    Your liability for unauthorised transactions made on your card will be limited to S$100 provided:

    • You have cooperated with the bank through its investigation.
    • It has been established that you weren’t involved in the fraud.
    • It has been established that you weren’t grossly negligent.

    If proven otherwise, you may be held liable for all the unauthorised transactions made on your card. Legal proceedings may also be initiated by the bank.

    Choosing the right credit card is time-consuming. You can find credit cards here and compare them as per your parameters. You can also apply for cards on BankBazaar once you’ve made your choice.

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    What Else Do I Need to Know?

    How to Enable/Disable Auto Debit & Standing Instructions

    Via GIRO

    The GIRO form available on the bank’s website can be used to link your bank account with credit card. This will enable you to pay your bills without missing due dates. Download and fill the form, and then send it to the bank using mail or fax. Disable these standing instructions by getting in touch with UOB.

    How to Apply for the Card & Check the Application Status

    Via online form/internet banking/SMS

    • Apply for this card online by visiting the UOB Unionpay Card webpage.
    • You can visit the nearest UOB branch to apply.
    • If you already have a UOB card, send an SMS to 77862.
    • If you have access to UOB internet banking, you can apply from there.

    To check the application status of your card, you will have to call the bank’s 24/7 hotline number.

    How to Check Balance

    UOB Mighty/Online Banking/Phone Banking

    You can check your credit card balance through:

    • Phone Banking
    • Internet Banking
    • UOB Mighty mobile banking

    How Can the Bill Be Paid?

    Phone banking/Internet banking/GIRO and others

    Pay your credit card bill each month in any of the modes listed below:

    • ATM
    • Cash
    • Cheque
    • Interbank GIRO
    • SingPost S.A.M Machines/iNETS Kiosk/AXS
    • Phone Banking/Internet Banking

    How Much Is the Minimum Payment to Be Made on the Card?

    3% of the current bill or S$50

    The minimum payment that has to be made with this card is 3% of the current balance or S$50, whichever is greater and any unsettled amount from the previous billing cycle.

    What Is the Grace Period?

    21 days

    Up to 21 days from the credit card statement date if the unsettled balance is paid in full.

    Which Mobile Wallets Can This Be Used With?

    UOB Mighty/Android Pay/Apple Pay/Samsung Pay/PayNow

    The following mobile wallets can be used with this UOB card:

    • PayNow
    • Apple Pay
    • UOB Mighty
    • Android Pay
    • Samsung Pay

    Can It Be Used With EZ-Link?

    Yes

    Yes, this card can be used with EZ-link. Just complete the online application form for the auto credit card top-up facility for EZ-link cards and send to/present it at the TransitLink office.

    How to Block or Unblock the Card

    Call the hotline

    To block or unblock your UOB card, you can call the 24/7 toll-free number at 1800 222 2121.

    How to Reset the PIN

    Use the PIN reset form

    You can reset your credit card PIN by completing the PIN reset form online and mail it to the bank or you can visit the bank and submit the form in person.

    What Is the Billing Cycle and the Bill Due Date?

    Can be found on the monthly statement

    You will find the credit card bill due date and the billing cycle in the monthly statement. The billing cycle will be decided based on the number of working days in the billing period.

    How to Get a Replacement Card

    Fill the card replacement form

    The process of getting a replacement card is similar to the process of resetting your card PIN. Just fill up the credit card replacement form online and mail it to the bank. You will get a replacement card to the mailing address.

    How to Temporarily Increase the Limit of the Card

    Call the bank’s hotline

    You can raise your credit limit temporarily by calling the bank’s 24-hour hotline. However, the temporary raise will be valid only for weddings, hospitalisation, overseas travel and compassionate purposes.

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